Japan Consumer Credit
Credit granted and credit outstanding for credit card shopping in Japan, the number of card contracts with applications, new contracts and cancellations during the year, and instalment shopping credit.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Credit card shopping2 | ||||||
| Credit granted for card shopping1 | 1,345,861 | 1,168,924 | 1,057,272 | 937,926 | 810,173 | |
| Credit granted, change from previous year | 15.1 | 10.6 | 12.7 | 15.8 | 8.8 | |
| Credit outstanding at end-December1 | 230,584 | 203,540 | 179,256 | 160,936 | 145,921 | |
| Credit outstanding, change from previous year | 13.3 | 13.5 | 11.4 | 10.3 | 6.9 | |
| Credit card contracts5 | ||||||
| Card contracts outstanding at end-December1 | 30,524 | 29,766 | 28,764 | 27,973 | 27,112 | |
| Card contracts, change from previous year | 2.5 | 3.5 | 2.8 | 3.2 | 2 | |
| Number of card issuers surveyed | 263 | 266 | 272 | 270 | 274 | |
| Membership applications during the year | 4,216 | 4,082 | 3,871 | 3,587 | 3,141 | |
| New contracts concluded during the year | 2,885 | 2,964 | 2,874 | 2,699 | 2,363 | |
| Contracts cancelled during the year | 2,270 | 2,063 | 2,076 | 1,801 | 1,694 | |
| Shopping credit (instalment credit)2 | ||||||
| Shopping credit granted1 | 114,523 | 110,221 | 105,639 | 91,926 | 92,392 | |
| Shopping credit granted, change from previous year | 3.9 | 4.3 | 14.9 | -0.5 | 1 | |
| Shopping credit outstanding at end-December1 | 222,109 | 211,263 | 200,891 | 191,475 | 191,363 | |
| Shopping credit outstanding, change from previous year | 5.1 | 5.2 | 4.9 | 0.1 | 1.8 |
Latest reading
Credit granted for card shopping stood at 1,345,861 100 million yen in 2025. That is +15.1% from 2024. The series on this page is annual and runs from 2021 to 2025. Source: Japan Consumer Credit Association (JCA) – Credit-related statistics.
- Latest
- 1,345,861 100 million yen
- 2025
- vs previous period
- +15.1%
- 2024
About this data
Credit granted and credit outstanding for credit card shopping in Japan, the number of card contracts with applications, new contracts and cancellations during the year, and instalment shopping credit. Card shopping credit granted passed 134 trillion yen in 2025. The association changed how it consolidates these figures in 2021, so the comparable series starts then. Source: Japan Consumer Credit Association.
